Alexander County, IL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 84 mortgage applications in Alexander County, IL totaling $8.1 million, down 31% from 2022. The average application was for $96,000, and applicants reported an average income of $69,000. 26% of applications resulted in an originated loan and 40% were denied. The most active lender was Southern Bank, with 18 applications, followed by 21st Mortgage and Triad Financial Services, Inc..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 84 |
| Total Mortgage Loan Application Amount | $8,080,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $385,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $324,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 3,423,751,000 | 18 | $ 910,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 9 | $ 1,005,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 8 | $ 920,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 7 | $ 695,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 465,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 4 | $ 160,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 4 | $ 430,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 805,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 195,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 2 | $ 30,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 200,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 270,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 65,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 653,519,000 | 1 | $ 165,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 274,304,000 | 1 | $ 105,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 75,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 2,111,560,000 | 1 | $ 285,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 25,000 |
| Sterling Bank P O BOX 460, 1100 STERLING DRIVE POPLAR BLUFF, MO 63901 |
* | $ 1,357,568,000 | 1 | $ 65,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 85,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 31,679,817,000 | 1 | $ 35,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 105,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 105,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 375,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 85,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 55,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,697,634,000 | 1 | $ 145,000 |
The tables below break down 2023 mortgage applications in Alexander County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Alexander County, IL in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 52 | $4,820,000 | $92,000 | $355,000 | $62,000 | $168,000 |
| Cash-out Refinancing | 13 | $1,885,000 | $145,000 | $385,000 | $85,000 | $230,000 |
| Home Improvement | 11 | $595,000 | $54,000 | $285,000 | $61,000 | $324,000 |
| Other Purpose | 5 | $565,000 | $113,000 | $255,000 | $122,000 | $175,000 |
| Refinancing | 3 | $215,000 | $71,000 | $135,000 | $67,000 | $104,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 50 | $4,910,000 | $98,000 | $385,000 | $74,000 | $324,000 |
| Black or African American | 21 | $1,695,000 | $80,000 | $355,000 | $57,000 | $168,000 |
| Not Provided | 7 | $485,000 | $69,000 | $105,000 | $63,000 | $115,000 |
| Not applicable | 2 | $170,000 | $85,000 | $105,000 | $0 | $0 |
| Hispanic | 2 | $350,000 | $175,000 | $185,000 | $115,000 | $131,000 |
| American Indian or Alaskan Native | 1 | $375,000 | $375,000 | $375,000 | $72,000 | $72,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 62 | $5,310,000 | $85,000 | $295,000 | $71,000 | $324,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,360,000 | $85,000 | $135,000 | $60,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,200,000 | $300,000 | $385,000 | $75,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $210,000 | $105,000 | $105,000 | $66,000 | $66,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 34 | $2,790,000 | $82,000 | $255,000 | $66,000 | $230,000 |
| Loan Originated | 22 | $1,790,000 | $81,000 | $285,000 | $84,000 | $324,000 |
| Application Withdrawn By Applicant | 12 | $1,420,000 | $118,000 | $385,000 | $56,000 | $99,000 |
| File Closed For Incompleteness | 8 | $900,000 | $112,000 | $205,000 | $53,000 | $131,000 |
| Application Approved But Not Accepted | 6 | $1,010,000 | $168,000 | $375,000 | $78,000 | $137,000 |
| Loan Purchased By The Institution | 2 | $170,000 | $85,000 | $105,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 49 | $5,225,000 | $106,000 | $385,000 | $71,000 | $324,000 |
| Credit History | 12 | $1,070,000 | $89,000 | $255,000 | $73,000 | $230,000 |
| Debt-To-Income Ratio | 7 | $645,000 | $92,000 | $165,000 | $50,000 | $99,000 |
| Other | 7 | $355,000 | $50,000 | $95,000 | $49,000 | $85,000 |
| Unverifiable Information | 3 | $275,000 | $91,000 | $115,000 | $48,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $105,000 | $111,000 | $132,000 |
| Collateral | 2 | $200,000 | $100,000 | $125,000 | $113,000 | $175,000 |
| Credit Application Incomplete | 2 | $110,000 | $55,000 | $55,000 | $94,000 | $120,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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